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No income requirement, zero annual fees, signup bonuses. Ranked by accessibility and rewards. Verified April 2026.
Curated by the Top10Grid editorial team. Rankings driven by community votes and updated daily.
Zero annual fee for under 25s. No income requirement. Cashback rewards + signup bonus. Strong student program. Verified April 2026, DBS website.
Zero annual fee with no income requirement. Student acceptance high. Dining and entertainment rewards. Verified April 2026, HSBC website.
Zero annual fee for young professionals. No income requirement verification. Cashback + signup bonus. Verified April 2026, SC website.
Zero annual fee for students. Cashback on student-relevant categories (food, entertainment). Student ID acceptance. Verified April 2026, Citibank website.

Zero annual fee with no income minimum. Category-based rewards (up to 3.33% cashback). Easy approval for students. Verified April 2026, UOB website.
Zero annual fee for university students. Special student rates. Signup bonus. Verified April 2026, BOC website.
Zero annual fee for young professionals. Rewards program designed for entry-level spenders. Easy approval. Verified April 2026, OCBC website.
Zero annual fee for students. Student benefits program. Cashback on spending. Verified April 2026, Hang Seng website.
Zero annual fee for cardholders under 30. Low income threshold. Cashback rewards. Verified April 2026, BEA website.
Zero annual fee, entry-level, cash rewards, no income requirement for students. First card friendly. Verified April 2026, Mizuho website.
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Zero annual fee for under 25s. No income requirement. Cashback rewards + signup bonus. Strong student program. Verified April 2026, DBS website.
Zero annual fee with no income requirement. Student acceptance high. Dining and entertainment rewards. Verified April 2026, HSBC website.
Zero annual fee for young professionals. No income requirement verification. Cashback + signup bonus. Verified April 2026, SC website.
Zero annual fee for students. Cashback on student-relevant categories (food, entertainment). Student ID acceptance. Verified April 2026, Citibank website.

Zero annual fee with no income minimum. Category-based rewards (up to 3.33% cashback). Easy approval for students. Verified April 2026, UOB website.
Zero annual fee for university students. Special student rates. Signup bonus. Verified April 2026, BOC website.
Zero annual fee for young professionals. Rewards program designed for entry-level spenders. Easy approval. Verified April 2026, OCBC website.
Zero annual fee for students. Student benefits program. Cashback on spending. Verified April 2026, Hang Seng website.
Zero annual fee for cardholders under 30. Low income threshold. Cashback rewards. Verified April 2026, BEA website.
Zero annual fee, entry-level, cash rewards, no income requirement for students. First card friendly. Verified April 2026, Mizuho website.
Top 10 Best HKD Time Deposit Rates in Hong Kong May 2026
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